Banking On What Really Matters

A not-for-profit bank owned by its members since 2001.

The friendly way to save and borrow.

Start your journey with the not-for-profit bank.

We offer savings accounts and personal loans with a difference.

From competitive low-rate loans, ethical investments and fee-free banking to community grants and our foundation fund. We drive real change across our region from Portsmouth to Southampton, Bournemouth, Basingstoke, Andover, Newbury, Woking, Guildford and surrounding areas.

The Cashback Loan

We love to help people save, even when they borrow.

With every loan repayment you make, you’ll be reducing what you owe and building savings at the same time!

It’s positively different to your high street lender.

Diagram showing a financial flow with arrows labeled 'LOAN' pointing down to 'LOAN REPAID' and 'SAVINGS' pointing down to 'SAVINGS POT', with a central square labeled 'REPAYMENTS' connecting both arrows.

We’ll help you build savings while you borrow.

What Do Our Customers Say…

Supporting Local Communities

We’ve been inspired and proud to have supported many local groups, organisations and charities across our region with our Foundation Fund and Community Grant Scheme.

FIND OUT MORE

FAQ

  • We are a member-owned, not-for-profit bank where profits (surpluses) are reinvested into building stronger communities across Central Southern England.

    Wessex Community Bank serves Hampshire and nearby areas (Portsmouth, Southampton, Bournemouth, Guildford, Woking, Basingstoke, Andover, Aldershot, Newbury and more).

    Unlike high street banks, we have no external shareholders; we offer ethical savings, low-cost loans, fee-free community accounts and local grants, all backed by strong governance and financial stability.

  • Yes. Our personal loans are guaranteed lower cost than high street lenders up to £4,750, with no hidden fees.

    As a not-for-profit, we don’t pay shareholder dividends, so we keep pricing fair and low. Borrow up to £4,750 at fixed rates and every loan includes a tailored savings element so you finish with a handy savings pot you never had before.

  • Simple, flexible savings with products like the Prize Draw Saver, Cash ISA, Save To Borrow and Community Group Account.

    Members can save flexibly, and borrowers also build savings automatically through their loan repayments. With Prize Draw Saver, every £1 saved is a chance to win monthly cash prizes We offer a safe, community-focused way to grow your money.

  • Save through the year and access your full balance in time for Christmas.

    The Christmas Club helps you avoid December’s rush by spreading savings across the year. You stay in control of your cash and can pair it with an affordable Christmas loan that also builds savings, so January feels lighter.

    Apply for a Christmas Club

  • Apply via our Foundation Fund. It’s for grassroots grant fund for groups and organisations across Hampshire and surrounding areas.

    We support charities and community groups with grant funding and offer fee-free community group accounts. If you’re running a local project in Portsmouth, Southampton, Basingstoke, Guildford or nearby, apply for a cash boost that keeps money working locally

    Apply for a community grant

  • We reinvest surpluses into low-cost loans, savings, grants and fee-free accounts that directly benefit local people.

    Everything we do, affordable personal loans, ethical savings, the Foundation Fund and free group accounts, is built to strengthen local communities across Hampshire, Portsmouth, Southampton, Bournemouth, Andover, Guildford and beyond.

    Choose the ethical alternative that puts members and communities first.

It feels good to say you’re with a not-for-profit bank

You don’t need to change banks to be part of it.

Join Wessex Community Bank’s journey of community-based, ethical and inclusive banking.